If you are a homeowner, there is a big chance that someday you will need to replace a broken or drafty window. While a relatively common chore, replacing a window can be quite expensive, especially if it is a large-sized picture window. Because of this, many homeowners think about filing a claim against their homeowners insurance to cover the window replacement cost. But is it covered?
Cause of Damage
Your homeowners’ insurance only provides coverage in certain circumstances. A named-peril policy covers losses by perils that are explicitly listed in the policy while an open-peril policy covers damage caused by various risks to the insured property. For example, if your window shattered during a hailstorm, it will likely be covered by both policies. If the window broke because a ladder fell through it, the standard named-peril policy will not likely cover the accident.
Paying the Deductible
If the cause of a shattered window falls under the coverage of your homeowners insurance, there is a possibility that not everything will be covered. Since you are on the hook for the amount of your deductible, you can pay out of pocket for some repairs.
Normal Wear and Tear
All homeowners insurance policies exclude the coverage for normal wear and tear because the maintenance of your home is your responsibility. So, if your window broke because rainwater seeped through neglected seals, cracking the pane, your insurance company will likely cite wear and tear as well as lack of maintenance as the cause of the damaged window.
You can count on Twin Cities Siding and Roofing for high-quality window installation services in Minneapolis. Our certified team is committed to providing the comfort and satisfaction that every homeowner deserves. Call us at 651-571-9557, or fill out our contact form to request a free, no-obligation quote.
